Buy Now, Pay Later — Starting at 0% APR
Why Choose Affirm?
• Flexible options: Pay in 4 or monthly installments
• Transparent: No hidden fees, no late fees
• No impact to apply: Checking eligibility won’t affect your credit score
• Smart management: Track and pay via Affirm app
• Widely accepted: Available at thousands of stores
Affirm Eligibility Requirements:
Must be at least 18 years old (19+ in some regions)
Must reside in the United States or Canada
Have a valid U.S. or Canadian mobile number capable of receiving SMS verification codes
Maintain a positive credit history (good credit improves approval chances)
Provide a valid debit card, credit card, or bank account for repayment
| Features | Pay in 4 | Monthly installments |
|---|---|---|
| Purchase amount | $50–$1,000+ May differ by store | $50–$5,000+ May differ by store |
| Number of payments | 4 | 3,6,12,18, 24, 36, and up to 60 months |
| Payment duration | Every 2 weeks | Monthly |
| Payment at checkout | Down payment may be required | Down payment may be required |
| Interest | Interest-free | 0–36% APR |
| Fees? | Never | Never |
| Credit impact to apply? | No impact to apply. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus if loan is accepted. You can find more information on Affirm's Help Center. | No impact to apply. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus if loan is accepted. You can find more information on Affirm's Help Center. |
| Credit impact with a loan? | May impact if loan is accepted or delinquent | May impact if loan is accepted or delinquent |
How to Use Affirm:
Add items to your cart
Select your desired products and proceed to checkout.Choose Affirm at checkout
Pick Affirm as your payment method. You’ll see available payment options—either 4 interest-free installments or monthly plans.Complete your purchase
Once approved, your first payment (if required) will be collected right away. Then, manage your payments easily through the Affirm app or website, where you can track due dates and set up AutoPay.
